Follow the dollars · Assumption only
A complete cash picture for Dec 13, 2026
Your down payment$30,057Cash toward the purchase price.
Closing costs + prepaids$11,820Not just lender fees.
Before credits & paid funds$41,878The complete starting cash picture.
Estimated remaining funds due at closing
$41,878No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$30,057.32
Your down payment$30,057.32
Closing costs + prepaids$11,820.43
Total buyer cash needed$41,877.75
Remaining funds due$41,877.75
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,750.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$406.00
Initial HOA (3 months)$231.00
Prepaid interest, first (19 days)$1,208.43
Fees + prepaids$11,820.43
Your down payment is the seller’s equity. You take over the $344,943 balance, so the rest of the $375,000 price is paid at closing. A second mortgage can cover part of it. $41,877.75 is due at closing. Uses and sources reconcile at $386,820.43 each. Not a Closing Disclosure.